LET's SIT DOWN AND HAVE A CUP OF COFFEE. I am a Mom & a Wife living a DAILY LIFE. My interest include homeschooling, AUTISM AWARENESS, kids, electronics, GIVEAWAYS & finding new things. I always love one place that I can find LOTS OF GIVEAWAYS so I wanted to make that place for my readers. FOLLOW ME ON SOCIAL MEDIA for more giveaways & GOOD LUCK.

1/30/2013

All the hype about insurance, ObamaCare, Medicare and Social Security you would think the doctor's office would at least TRY to make it easier for people but instead I think they are doing the opposite.
I have learned alot about how the insurance company covers claims so when I get my EOB (Explanation of Benefits) I actually read them. I know plenty of people that do not even open them up much less read them.

Here is a story you all need to read and hopefully you can avoid it happening to you.

Recently my husband went to see his primary care doctor who is In-Network with our insurance for his yearly check up. He usually has to have blood work done to check his blood sugar, cholesterol and other basic stuff and this trip was no different. You would think a doctor that requires blood work would have a lab company that is in the same network as his patients. That is not always the case AND they don't always inform the patient that the lab company is not in-network until you get a bill for $1000.
That's right $1000. After getting the EOB I called the Dr.'s office to find out why the lab company was out of network. They inform me that it really didn't mean anything except that the insurance will send us the check instead of sending it to the provider. Well my experience tells me that is not true. If you use a out of network provider yes the insurance company sends the check to you but it also means that you have to pay this outrageous deductible plus the benefits are not as good. Let me break it down for you.

Lab Company charged $1088.66 for the blood work. EOB states $156.01 will be applied to the $1000 out of network deductible, amount you may owe provider $1088.66. What this means is the insurance covered $156.01 but it was applied to deductible and since they are out of network we owe the whole amount.
IF they were in network we would only be responsible for the co-insurance amount which would be about $31.00 and they could not charge the difference.
It is totally just plain stupid that a doctors office that does blood work like a family doctor would have a lab company that is not in network with their patients insurance. When I talk to someone at the doctors office their solution was setting us up on a payment plan. WHAT? NO YOU WILL NOT BECAUSE I WILL NOT PAY FOR SOMETHING I DID NOT APPROVE. I should have a choice whether I want to use a lab that is out of network and I did not. So if they choose to have a lab that is not covered then they will be the responsible party.
So a word of advice if you go see a doctor and they want to do blood work be sure to ask them one do they send it out of office and if so does the lab company in-network with your insurance. It is not fun to get a $1000 surprise unless it is to your benefit.

1/28/2013

The objective for this giveaway is to promote my Lilla Rose Facebook & Giveaway Party, which is another opportunity for you to win some great prizes. So by entering this giveaway you also get the opportunity to win a prize at the Lilla Rose Party.Party and Starbucks giveaway are over but you still have a little time to win this.....Jewelmint Watch ends 2/13 11:59pm EST- Enter to WIN THIS WATCH by Registering and making ANY purchase on this link- http://secure.lillarose.biz/parties/1470

To enter just fill in the Rafflecopter below. Read the Rules* and Terms & Conditions before entering.

NEW RULE: IF THE WINNER OF THE STARBUCKS CARD ALSO MADE A PURCHASE OF $30 or MORE YOU WILL GET A $30 STARBUCKS CARD. (That makes your purchase basically free)

**Mandatory Entry Required until the end of the giveaway. (if at the time of the drawing you are not joined the entry does not count, so don't join then undo it). When I draw for the GC I will check winner with list of people who joined the party if you are not on there you will not win. Please if you use anonymous to leave comment please post your name in the comment so I will know who left it. ALL ENTRIES WILL BE CHECKED, INCLUDING THE WINNING ONE. IF IT IS FOUND NOT DONE ENTRY WILL BE DISQUALIFIED.

Disclosure: This post was not sponsored by anyone. The giveaway is for my readers because I LOVE them! The views expressed on this blog are my own.

Party has past but I still have the Jewelmint Watch to giveaway. Great odds on this watch so make a purchase for your chance. Party closes Tonight 2/13. See Picture and ENTER BELOW!

I have some exciting news, I have decided to host a Lilla Rose Online Party and would love it if you participate.

If you have read my blog you know I am totally in love with Lilla Rose. These are the best hair accessory I have ever found.

These clips do not break your hair or get tangled up.

They are comfortable even to sleep in (I have fell asleep a few time with my hair up).

They stay in place and do not slide out and hold very tightly.

They are attractive and stylish.

They are dressy and also casual.

Don't know anything about Lilla Rose products? Not a problem. Everything you want to find out will be right at your fingertips plus if I leave anything out or you have a personal question I am going to have a Facebook party on February 11th at 9pm EST where you can ask Independent Consultant Sarah Ives any questions you may have. Also during the Facebook party you will have a chance to win some great prizes!

Some Special Giveaways to be given away during party. (giveaways decided according to attendance) INVITE YOUR FRIENDS

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SPECIAL

If I make $300 in online sales by the date of the Facebook Party I will give away a free item from Jewelmint.com (winners choice $29.99 limit) so be sure to SHARE THIS with your friends and ask them to purchase and join so we can give away lots of stuff.

1/13/2013

Wouldn't you like to have an extra $100 to go with your tax refund or even better $20,000?

Here is your chance, H&R Block At Home is giving away $100 each day and $20,000 each week on their Facebook Page. It is very easy to enter, just click here and enter what you are going to do with your tax refund.

Mom Powered Media welcomes you into 2013 with a New Year's Resolution Event.

Top 10 New Year's resolutions

Lose Weight and/or Exercise Regularly

Improved Work/Family Balance

Stop Smoking - One of the hardest, most broken resolutions. Will you win this battle of wits?

Organize Your Home/Life

Get Out Of Debt and/or Save Money - Credit Karma provides truly free credit scores to consumers direct from the credit bureau and show how you can save money on your credit cards, loans, mortgage and more! Yes, there is even an app for that.

Learn Something New - Become the master of .01 auctions! Visit Penny Auctions Canada and use code "MPM5" for 5 free bids at sign up and "Chillout50" for 50 free bids with the purchase of a 50 pack.

Increased Spiritual Awareness

Who wouldn't love to win an Ipad or $500, would that be a great way to start the new year. If you are like most you have taxes to pay in January so if you take the $500 that would help out with that or pay for them charged Christmas presents. I know I would be happy with either one.

One winner will receive iPad {or $500 via Paypal}!

Giveaway ends January 31th at 11:59pm, open to worldwide, ages 18+. Winner's outside of the US only qualify or the paypal option.

Disclosure: I received no compensation for this publication. My opinions are my own and may differ from those of your own. Daily Woman Blog is not responsible for sponsor prize shipment. Please contact Mom Powered Media with questions or to see your business or blog featured on the next big event!

1/03/2013

If you have read my blog you know I love the Flexi. They have a new clip for each month that has limited supplies so get them quickly. The new January clip is so pretty with the blues, reds and black with silver center.

If you would like to get yours visit Sarah Ives Facebook page and go to the ABOUT page for her ordering page. She also regularly has giveaways, specials and different events going on so be sure to like her page while there.

This is my honest opinion about this product I was in no way compensated for this post.